336 4th Ave SEAitkinMN56431
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 336 4th Ave SE, Aitkin, MN, 56431 in Aitkin. At $158,900 it earns $1,271/mo in rent and distributes $279/mo to the owner after the $715/mo payment, a consistent 9.6% yield. DSCR 1.78 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $43,901 in value; $1,463/yr in principal paydown compounds ownership stake. Total projected return: $78,231.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 8.0% |
| Monthly Cash Flow | $279 | $250 |
City averages based on Aitkin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,271 |
| Total Monthly Debt Service | $929 |
| DSCR Ratio | 1.37x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1916
0.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56431, Aitkin, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,852 (100%) |
| Owner Occupied HU | 3,311 (48.3%) |
| Renter Occupied HU | 791 (11.5%) |
| Vacant Housing Units | 2,750 (40.1%) |
| Median Home Value | $322,708 |
| Average Home Value | $366,030 |
Housing Distribution
Address Breakdown
Residential
5,347
Single Family
4,989
Multi-Family
358
Businesses
346
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1916
0.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 56431, Aitkin, MN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,852 (100%) |
| Owner Occupied HU | 3,311 (48.3%) |
| Renter Occupied HU | 791 (11.5%) |
| Vacant Housing Units | 2,750 (40.1%) |
| Median Home Value | $322,708 |
| Average Home Value | $366,030 |
Housing Distribution
Address Breakdown
Residential
5,347
Single Family
4,989
Multi-Family
358
Businesses
346
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices